That’s not really the fact to manually load each torpedo at bunker that is annoying for me, it’s more the way you end if you start your mission forgetting doing so...crossed the Atlantic and at first target i realized i had only 4 fishes!!
Not to say it’s impossible to have torpedoes for naval academy (and single missions - but i never tried)
AND when you refuel/rearm at a Milchkuw ... only 4 torpedoes...but that might be accurate?...probably.